Home Equity Line of Credit (HELOC) — Lewis Clark Credit Union is a home equity line of credit from Lewis Clark Credit Union. The ongoing APR is Fixed rates starting as low as 6.50% APR. Loan terms: We offer a 15- or 20-year solutions. With both options there is a 5 year draw period where your payment will fluctuate based on the amount you borrow and your remaining term. After the draw period it goes to a fixed payment for the remainder of the term of 10 or 15 years.